Considerações de subscrição para Term Life Insurance


Que a maioria dos americanos deve comprar uma forma simples e barata de seguro de vida está bem estabelecida, Mas como exatamente para encontrar a política de direita é menos bem compreendida.

É uma coisa para obter uma cotação baixa para o seguro de vida, however qualifying for that potential life insurance policy is the real key to getting that price. Those low numbers are usually shown as being the best class available, no entanto, muitos americanos podem não ser capaz de qualidade para a melhor classe de saúde.

O que exatamente é um seguro de vida classe de saúde and what does it have to do with term life insurance?

Your life insurance health class is a classification system that assists life insurers in rating proposed life insurance policies. It takes into account many common health considerations. There are four main life insurance health classes: Preferred Plus (o melhor e menor custeio), Preferido, standard Plus, and Standard. Beyond these four classes are the so called Table Ratings. Each of the four health classes listed above are further broken down into Tobacco or Non Tobacco use.





Term Life Insurance





There are lots of criteria that go into the underwriting of your health class. The first, que é muitas vezes o mais óbvio, is your weight. Your weight matters more than most people would think it does because overweight people experience increased risk of all sorts of illnesses such as diabetes. If an insurance agent knows nothing else about your health situation, your height and weight may be the biggest single indicator. Each insurance company will maintain their own height weight chart and limits that they will accept for each health class. A difference of just a few pounds, poderia significar uma centena de dólares a mais por ano em custos anuais superiores.

Your general health history also matters greatly. Have you had any major conditions, tais como ataques cardíacos, ou Strokes? Do you have any ongoing current issues such as Asthma or Cancer? The more major the condition the more important, but really all health conditions matter. Insurance carriers generally prefer to see a condition is being treated and that the applicant is following the prescribed plan. In other words are refilling the prescription on time each and every month?





Acredite ou não, your direct family’s health history matters as well. Have your mom or dad had conditions such cardiovascular issues or various cancers?

There are several tests that most life insurance companies will run when completing a paramedical exam. A paramedical exam is an exam done either at the client’s place of business or home at a time of their choosing. Typically paramed exams are done for free. One thing that will take place at your exam is that they will take your blood pressure. A blood pressure reading that is either too high or too low could indicate possible issues and life insurance companies may rate you based on these results.





Cholesterol is another important health consideration. Many seemingly perfectly healthy people unknowingly have high cholesterol. Ask your doctor about your cholesterol levels to ensure that get the best rate possible. Generally your cholesterol will be taking during your medical exam. There are numerous other medical tests that will be performed, incluindo testando você sangue e de urina ou de prescrição e nonprescription drogas.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Sky Diving, e escalada, dependendo de quando a última vez que fui, quantas vezes você ir, may mean that you need to pay more for life insurance. When in doubt ask your life insurance agent about the types of activities that you do and if they are a concern for your proposed life insurer. Insurance companies occasionally have differences of opinion about this, para que ele possa pagar para fazer perguntas antes de escolher uma companhia de seguros.





Condução também é uma consideração óbvia para todas as seguradoras de vida, as people that have more tickets tend to get into more accidents and hence need to pay more for term life insurance. When was your last ticket? How many tickets do you have? Seu relatório de veículo a motor permitirá que a companhia de seguros um vislumbre de seu passado experiência de condução. Pedir seu agente de seguros sobre o seu passado registro de condução poderia poupar-lhe um grande momento.

Uma última consideração importante ao determinar a sua classe de saúde seguro de vida, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, mas pilotos da aviação comercial também pode ser uma preocupação para as companhias de seguros de vida. Verifique com seu agente.





Todos esses vários fatores ajudar a determinar a sua aceitabilidade, classe de saúde seguro de vida, and hence what you will pay for life insurance. It is in your best interest, como um consumidor, para saber o que os critérios de subscrição são, so that you may prepare yourself with all of the information needed and to make your best case. Clients that are educated about life insurance tend to secure a lower yearly premium and save money.

Scott W Johnson é o proprietário de WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Universal, e Term Life Insurance. O lema da Whole Vs termo é “seguro de vida é complexo, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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